1, telephone inquiry. As the name implies, it is to call for advice. Call the loan bank and inquire about the loan information you need to know.
2. Network query. You can check my credit report on the personal credit service platform of the Credit Information Center of the People's Bank of China.
(1) First log in to the online bank of your own bank and find the trading area.
(2) Find an online loan in the trading area and click "My Loan".
(3) Click "Details" to view the details of your loan.
(4) Click "Details" to query your personal loan information by date.
(5) Finally, you can click "Repayment Plan" to query the repayment method and date by date.
3. Manual query. Although manual inquiry is troublesome, it is comprehensive. If you want to inquire about loan information, you can go to the loan bank counter and ask the bank staff to know all the information about personal loans.
Operating environment: iphone1115.0 national bank V7.2.0.
The details that should be paid attention to when making a loan mainly include the following points.
1. Whether the lending institution or platform is formal: Be sure to pay attention to whether the lending institution or platform has a financial license. If you encounter an informal lending institution or platform, you are likely to be cheated.
2. Whether the loan interest is normal: Some lending institutions and platforms may cheat on the interest, such as advertising low interest rates, and as a result, the approval interest rate is actually much higher, which is very common in small loans. There are also some online loan products that charge "beheading interest". Therefore, people must pay attention to whether the interest rate is at a normal level and whether it has reached a new standard when lending.
3. Are there any mandatory requirements? Some loans may have additional requirements, as well as various service fees and liquidated damages. Be sure to pay more attention to the loan so as not to be restricted in the future.
4. What are the details of the loan? When you apply for a loan from different lending institutions and platforms, the rigor of the review is different, and the information you need to provide may be different. Therefore, it is best to find out what information needs to be provided first, so as to avoid omission and affect the handling of loans.
Where should I check the credit information?
There are two ways to inquire about personal credit information: go to the credit information hall of the People's Bank of China and provide the original ID card for inquiry. Log in to the online personal credit inquiry system of China People's Bank. Here we will introduce in detail the method of inquiring credit information through the online banking system:
1. Direct Baidu search for personal credit information or credit information center of China People's Bank, and click to enter.
2. Click on the Internet personal credit service platform under the core business, as shown in the figure.
3. In this way, you can see the inquiry portal of personal credit information. Click to start verifying the trial version now.
4. New users need real-name registration, and registered users can log in directly. Let's talk about the registration information first. Click New User Registration.
5. Submit the registration information, real name, ID number, ordinary ID card and choose an ID card. Others include military officers' cards, Hong Kong and Macao identity cards, etc. Check whether I have read and agreed to the service agreement. Next, follow the prompts to complete the registration.
6. If you have registered before, log in directly. If you forget the login name, you can click to find the login name, and the system will send it to the reserved mobile phone.
7. After registration, log in to the system and enter the welcome page. Here you can see that there are two modules on the left: information service and user management.
8. Left credit information service-apply for credit information; Select verification methods, including question verification, bank card verification and digital certificate verification. The relevant options will be explained later, and you can choose according to the situation. Choose credit information, generally three items are no problem.
9. Question verification is selected here. After answering the questions, choose Next. So are other methods. Select Next after verification.
10 will prompt you that your credit information inquiry request has been submitted. Please visit the platform after 24 hours to get the results. If the authentication fails, please reapply. In order to ensure the security of your information, the credit information you applied for will be automatically cleared after 7 days. Please get the query results in time. Submit, the application is completed.
1 1. After the authentication is passed, there will be SMS notification if there is any result. If you fail to reapply, please change other verification information for verification. You can check if there is a SMS notification. There will be an identification code in the text message.
12, log in to the personal credit center, as before; Information service-obtain credit information-select all credit information-enter identity verification code (submit only after receiving SMS verification)-click Submit.
13, and then I successfully found the personal credit record from the internet. The sample is shown in the figure.
Extended data:
Credit report: At present, it is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields.
In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
Credit information:
1, personal basic information identifies an individual and reflects his family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4, the administrative organs, administrative affairs law enforcement organs, judicial organs in the exercise of their functions and powers in the process of public personal credit related record information;
5. Other information related to personal credit.
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.